Terminal read with smart card update list

Systems, methods, and other embodiments associated with terminal reading using an update list are described. In one embodiment, a method includes identifying request to modify an object having corresponding data stored on a smart card installed in a terminal; storing an object identifier for the object in an update list; modifying the data corresponding to the object per the instruction; and providing the update list for access by the terminal. In another embodiment, the method may also include receiving a card read command; accessing an update list; identifying one or more objects in the update list; and reading data corresponding to the one or more objects, such that data corresponding to objects in the set of objects that are not in the update list are not read.